Payday Loans in Palisades, New York

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No payday loan companies in Palisades, NY. Consider companies in other cities:

Company nameAddressZip codePhone number
Bank of America with Drive-thru ATM 248 Post Ave, Westbury, NY 11590 +1 (516) 333 - 3201
Citizens Bank Supermarket Branch 65 Grey St, East Aurora, NY 14052 +1 (716) 655 - 1468
Community Bank, N.A. 1 Spring St, Clifton Springs, NY 14432 +1 (315) 462 - 9593
Suzanne Aigen - Prudential Financial 202 E State St 406, Ithaca, NY 14850 +1 (607) 277 - 0433
Twin Tier Mortgage 108 Lake St, Elmira, NY 14901 +1 (607) 732 - 7433
Raymond James Financial Services 626 RXR Plaza Suite 618, Uniondale, NY 11556 +1 (516) 743 - 9201
NBT Bank 182 Main St, Afton, NY 13730 +1 (607) 639 - 2281
CheckChangers - 5th Ave. & 84th St. 8317 5th Ave, Brooklyn, NY 11209 +1 (718) 833 - 3088
Capital One Bank 1701 Sunrise Hwy, Bay Shore, NY 11706 +1 (631) 665 - 3500
Chase Bank 1455 Veterans Memorial Hwy, Islandia, NY 11749 +1 (631) 233 - 4040

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Palisades, NY, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Buffalo, NY, Payday Loan Without a Credit Check in Carmel, NY, Payday Loans in Centereach, NY, Payday Loans in Central Islip, NY, Payday Loans in Cicero, NY, Payday Loans in Clarence, NY, Payday Loans in Clay, NY and Short-term Loans in Clifton Park, NY. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Palisades, NY.

Beautiful sights of Palisades, NY

Payday Loans Available in Palisades, NY By The Following ZIP Codes:

10964

Are Payday Loans Legal In Palisades, New York?

Payday Lending is Prohibited in New York

New York Loan Regulations

Legal StatusProhibited
Interest Rate (APR, %)Prohibited
Maximum Loan AmountProhibited
Minimum Loan TermProhibited
Maximum Loan TermProhibited
Number of Rollovers AllowedProhibited
Finance ChargesProhibited

Palisades, NY payday loan calculator

The Truth About Payday Loans in Palisades, New York

Payday loans, also known as cash advances, are short-term loans that are usually due on the borrower’s next payday. These loans are designed to provide quick access to cash for people who are facing unexpected expenses or financial emergencies. However, in Palisades, New York, payday loans are prohibited by state law. This means that if you live in Palisades and are in need of emergency cash, you will have to look for other options.

Why Are Payday Loans Prohibited in Palisades, New York?

Payday loans are prohibited in Palisades and other parts of New York because the state government has determined that they are predatory in nature. In other words, payday loans tend to be marketed to people who are already in a financially vulnerable position and are therefore more likely to become trapped in a cycle of debt. The interest rates on payday loans are often very high, and many borrowers end up taking out multiple loans just to keep up with the payments.

What Are the Alternatives to Payday Loans in Palisades, New York?

If you live in Palisades and are in need of emergency cash, there are several alternative options that you can consider:

  • Personal loans: Personal loans are a type of installment loan that can be used for a wide range of purposes, including emergency expenses. Unlike payday loans, personal loans come with fixed interest rates and regular repayment schedules, making them easier to manage.
  • Credit cards: If you have a credit card, you may be able to use it to cover emergency expenses. While credit cards can carry high interest rates, they are often a better option than payday loans because they allow you to spread out your payments over time.
  • Government assistance programs: If you are facing financial hardship, you may be eligible for government assistance programs such as TANF or SNAP. These programs can provide you with temporary financial assistance to help you cover your basic needs.

Interesting Facts and Statistics about Payday Loans

  • Payday loans trap borrowers in debt: According to a study by the Consumer Financial Protection Bureau, the majority of payday loans are taken out by borrowers who end up rolling over their loans multiple times, accruing additional interest and fees each time.
  • Payday loans target low-income communities: Payday lenders are disproportionately located in low-income communities and communities of color.
  • Payday loans are illegal in 14 states: In addition to New York, payday loans are prohibited by law in 13 other states, including Arkansas, Arizona, and Georgia.

Apply Now for Other Loan Options in Palisades, New York

If you live in Palisades and are in need of emergency cash, TheGuaranteedLoans can help you connect with potential lenders who offer personal loans, credit cards, and other loan options. Although we are not a direct lender, we are a trusted connector service that can help you find the right loan for your needs. To get started, simply fill out our online application form and we will do our best to match you with a lender who can meet your needs.

F.A.Q.

Where can I get more information about payday loans in Palisades, New York?

More information about payday loans in Palisades, New York can be found on the New York State Department of Financial Services website. You can also contact the department directly with any questions or concerns.

Are payday loans available in Palisades, New York?

No, payday loans are prohibited in Palisades, New York.